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How to Join

How to Join PTOFCU

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens and account.


What this means to you: Effective October 1, 2003, when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying objects.


To open your account:



PTO employees must present a valid PTO employment badge.
Contractors must present a valid PTO contractor badge.
Family members are required to complete the forms above and a Family Membership verification Card. The primary member and the family member must sign the Family Member Verification Card.



The first available Member Services Representative will open your account. A deposit of $25.00 to your primary share account is required at the time the account is opened. There are no minimum balance requirements for share draft/checking accounts and no monthly service fees.

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